Wells Fargo Active Cash credit card combines simplicity with real everyday benefits. Unlike other complicated options, it delivers straightforward and effortless rewards. It’s ideal for those who want returns without getting lost in categories or limits.
With this card, every purchase becomes an opportunity to earn, without needing to adjust your lifestyle. And since there’s no annual fee, your money goes further from day one. The card also offers convenience, security, and the backing of a trusted bank.
Want to know why it’s one of the top consumer choices in 2025? Keep reading and find out if the Wells Fargo Active Cash is exactly what you need in your wallet.
Meet the Issuer
Wells Fargo is an American financial institution founded in 1852, headquartered in San Francisco, California. Over the years, it has become one of the largest banks in the United States, recognized for its stability and vast experience in the banking sector.
Today, Wells Fargo is present in more than 35 countries and serves millions of customers worldwide. Its portfolio includes banking services, investments, insurance, and asset management, offering complete solutions for individuals and businesses.
Even while facing recent challenges, the bank continues to implement improvements in its governance and customer service structures. With a focus on innovation and security, Wells Fargo remains a benchmark for those seeking reliable and accessible financial services.
Main Benefits of the Card
Unlimited 2% cashback: The card offers 2% cashback on all purchases, without the need to activate categories. The amount is automatically accumulated and can be used as a statement credit. It’s a practical way to save on everyday purchases.
$200 welcome bonus: By spending $500 within the first three months, you receive a $200 cashback bonus. This amount is credited directly to your account as an initial incentive. Ideal for those who want to start off with a strong financial advantage.
0% introductory APR for 12 months: For the first 12 months, you pay no interest on purchases and balance transfers. After this period, a variable interest rate between 19.24% and 29.99% applies. It’s useful for those who need to split payments with peace of mind.
Cell phone protection: When you pay your cell phone bill with the card, you receive coverage of up to $600 against damage or theft. The protection is subject to a $25 deductible per claim. It’s an extra layer of security for your device.
No annual fee: The Wells Fargo Active Cash credit card does not charge an annual fee, making its use even more advantageous. You enjoy all the card’s benefits at no additional cost. It’s an excellent long-term saving option.
Visa Signature Concierge: The card offers access to 24/7 concierge service for travel, events, and reservations assistance. This support simplifies planning and provides convenience in various situations. It’s a useful perk for daily life or special occasions.
Luxury hotel benefits: Cardholders get access to the Visa Signature hotel collection, with perks like free breakfast and room upgrades. These touches make your stay more comfortable. Perfect for frequent travelers who enjoy exclusivity.
Fraud protection: With the zero liability policy, you’re not held responsible for unauthorized purchases. This protection ensures greater peace of mind in case of loss or theft. Your money and data are always safeguarded.
Wells Fargo Active Cash Credit Card: Fees and Commissions
The Wells Fargo Active Cash card charges no annual fee, which already represents major savings for those seeking a simple and functional card. It also offers a 0% introductory APR for purchases and balance transfers during the first 12 months.
After the promotional period, the APR ranges from 19.24% to 29.99%, depending on credit evaluation. For balance transfers, there’s a 3% fee (minimum of $5) during the first 120 days and 5% thereafter. International purchases are subject to a 3% fee.
Rates and fees may change at any time by the issuer without prior notice. We recommend visiting the official website for updated information before applying for the card.
Card Limit
The credit limit of the Wells Fargo Active Cash card is determined based on the applicant’s financial profile, including income, credit history, and existing debt. Many users report competitive initial limits, especially for those with good scores.
The bank also offers the possibility of automatic limit increases after a positive usage and payment history. For those who wish to request an increase, it’s possible to do so directly via the Wells Fargo app or website.
Positive points
- Fixed and unlimited cashback:The card offers 2% cashback on all purchases with no rotating categories.
- Attractive introductory APR:You benefit from 0% interest during the first 12 months on purchases and balance transfers.
- No annual fee:There is no annual fee, making the card accessible to all user profiles.
Negative points
- International purchase fee:A 3% fee applies to transactions made outside the U.S.
- Requires good credit:People with limited credit history may have difficulty getting approved.
- No bonus categories:It does not offer additional cashback in specific segments such as travel or groceries.
How to Apply for Wells Fargo Active Cash Credit Card
- Visit the official Wells Fargo website.
- Go to the credit cards section and select Active Cash.
- Click “Apply Now” to start your application.
- Fill in your personal and financial information.
- Provide your Social Security Number (SSN).
- Review all information before submitting.
- Accept the bank’s terms and conditions.
- Submit the form and wait for the credit analysis.
- The response may be immediate or take a few days.
- If approved, you will receive the card by mail within 10 business days.
How to Contact Wells Fargo
If you have questions or need support, Wells Fargo offers several service channels:
- Phone: 1-800-967-9521 (Wells Fargo Customer Service)
- Branch: Visit a bank branch for in-person assistance.
If you’re looking for a reliable credit card with no annual fee and guaranteed cashback, this may be your best choice. Visit the Wells Fargo website today and apply!
